System and method for secure touchless authentication of user paired device, behavior and identity

ABSTRACT

A system and method for secure authentication of user entity and user entity device identity. The system and method described herein allows an identity to be continuously proven because of user entity&#39;s behavior and their biometrics. With all the fraud and risk that exists today, if someone has a user entity&#39;s driver&#39;s license they can do a lot of harm. By tying a user entity&#39;s identity to their user entity device (e.g., a mobile smartphone), then when a user entity enters a location (e.g., airport, hotel, bank), the user entity device announces through a wireless “I Am Here” signal which starts a process of continuous authentication while the user entity device interacts with the services offered by the location.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a Continuation-In-Part of U.S. patent application Ser. No. 16/984,570, filed on Aug. 4, 2020; which claims priority to U.S. Patent Provisional Application No. 62/882,605, filed Aug. 4, 2019; both of which are hereby incorporated by reference in their entirety.

TECHNICAL FIELD

The subject matter disclosed herein generally relates to biologically and behaviorally derived credentials to provide identification for use in identification and authentication for users for locations such as airports, hotels, health appointments and the like.

BACKGROUND

Digital transactions of a variety of types may stem not from a party authorized to enter in to the transaction but by parties that are either unauthorized to enter in to the transaction or threat actors and network bots who have acquired the means to enter in to the transaction illegally from a hostile environment. For instance, a stolen credit card number or bank account access may be utilized to make fraudulent purchases or transactions-exchanges. A stolen or compromised password may be utilized to improperly access information. Even conventional purchases or activities within an organization may be engaged in by an employee or member who does not have authorization to do so.

SUMMARY OF THE INVENTION

Aspects of the disclosure include a method for secure authentication of a user entity identity comprising: receiving an announcement of the arrival of a user entity device at a check-in site of a first relying party and checking for a reservation for the user entity associated with the user entity device; if a reservation is found, send a user entity identity match request from the first relying party to an identity provider; capturing contextual, biometric and behavioral factors of the user entity interacting with the user entity device over a first predetermined period of time at the identity provider to determine a trust score for the user entity and comparing the trust score to a level of assurance required by the first relying party; sending a notification to the user entity device from the identity provider for authentication based on both biometric and behavioral factors; receiving a confirmation from the user entity device of the identity of the user entity at the identity provider; and sending an authentication signal to the first relying party.

Aspects of the disclosure further include a system for secure authentication of a user entity identity comprising: a processor coupled to a network interface, the processor configured to: receive an announcement of the arrival of a user entity device at a check-in site of a first relying party and checking for a reservation for the user entity associated with the user entity device; if a reservation is found, send a user entity identity match request from the first relying party to an identity provider; capture contextual, biometric and behavioral factors of the user entity interacting with the user entity device over a first predetermined period of time at the identity provider to determine a trust score for the user entity and comparing the trust score to a level of assurance required by the first relying party; send a notification to the user entity device from the identity provider for authentication based on both biometric and behavioral factors; receive a confirmation from the user entity device of the identity of the user entity at the identity provider; and send an authentication signal to the first relying party.

BRIEF DESCRIPTION OF THE DRAWINGS

Some embodiments are illustrated by way of example and not limitation in the figures of the accompanying drawings.

FIG. 1 illustrates a system and method 100 for secure authentication of a user entity device 104 identity.

FIG. 2 illustrates a system and method 100 for secure authentication of a client device 106 identity.

FIG. 3 shows that the user entity device 104 and client device 106 may include transceiver equipment of a modern smartphone such as a gyroscope 310 and a global positioning satellite (GPS) 320 and can track the behavior and habits of user entity 102.

FIG. 4 illustrates more details of a cognitive engine 330 and sensor hub 340 that are part of the user entity device 104 and client device 106.

FIG. 5 illustrates a simplified view of system and method 100 including a user entity device 104, client device 106 and risk engine 110. In FIG. 5, browser and device inference is made in which user entity 102 behavior information, browser, user entity device 104 and client device 106 attributes are collected by the risk engine 110.

FIG. 6 illustrates a schematic view of the details of the risk engine 110 which may have a Core Artificial Intelligence and Machine Learning (AIML) analytics engine.

FIG. 7 illustrates use of the system and method 100 in an airport check in and authentication sequence.

FIG. 8A illustrates use of the system and method 100 in a hotel check in and authentication sequence.

FIG. 8B illustrates a more detailed sequence of services associated with the hotel example of FIG. 8A.

FIG. 9 illustrates use of the system in an interaction of a user entity device 104 with an automated teller machine (ATM).

DETAILED DESCRIPTION

Several illustrative embodiments will now be described with respect to the accompanying drawings, which form a part hereof. While particular embodiments, in which one or more aspects of the disclosure may be implemented, are described below, other embodiments may be used and various modifications may be made without departing from the scope of the disclosure or the spirit of the appended claims. Below are example definitions that are provided only for illustrative purposes in this disclosure below and should not be construed to limit the scope of the embodiments disclosed herein in any manner. Some terms are defined below for clarity purposes. These terms are not rigidly restricted to these definitions. These terms and other terms may also be defined by their use in the context of this description.

Acceptto Identity Trust Services's (AITS) ClientTrust Application Programming Interface (API) allows a relying party (RPs) (defined below) to query if the claimed identity (the identity of person who is making an attempt to login to a RP) is connected and determine if authentication request associated with claimed identity can be trusted. The API provides a level of assurance and contextual and behavior data associated with an online user. If the AITS API indicates that the claimed identity cannot be confirmed online or has a low level of assurance score then an appropriate step up authentication is enforced.

Active Session: a user entity 102 is attempting to and/or has validly logged into a relying party (RP) services application. Also, an active session can be the user entity device 104 and/or client device 106 session when logged into.

Allocentric: in the context of an authentication and/or a transaction, it is the other user entities, devices, applications and/or transactions within the overall system and method 100 in which access and transaction of interest are observed and not necessarily binded to the actual user entity 102 of interest transaction but the concurrent transaction present in the system 100. Good examples are observation of the traffic in a system independent of the initiated transactor by the actor of interest but other actors impacting the system load, traffic, application and microservices usage graphs and hence indirectly impacting the current transaction of interest. The current transaction of interest may be Transmission Control Protocol (TCP) synchronize (SYN), Internet Control Message Protocol (ICMP) and user entity datagram protocol (UDP) flooding, portscanning, payload signature of the system, number of transactions, data fingerprint, data consumptions, common internet protocols (IPs), and abnormal vs normal behaviors of transactions other than current subject and context of transactions of interest. Allocentric may be compared to egocentric defined below which looks at only the user entity 102 relationship with the network 112 and system 100.

Application: software used on a computer (usually by a user entity 102 and/or client device 106) and can be applications (104 c, 109) that are targeted or supported by specific classes of machine, such as a mobile application, desktop application, tablet application, and/or enterprise application (e.g., user entity device application(s) 104 c on user entity device 104, client device application(s) 109 on a client device 106). Applications may be separated into applications which reside on devices 104 or 106 (e.g., VPN, PowerPoint, Excel) and cloud applications which may reside in the cloud (e.g., Gmail, GitHub). Cloud applications may correspond to applications on the device or may be other types such as social media applications (e.g., Facebook).

Application Identity Information: means, for a website, mobile or desktop application, or other service needing authentication or authorization, the Application Identity Information may be a uniform resource locator (URL), package name of a hosting application, signing certificate of hosting application, class name or other identifier of current user interface (UI) dialog, a universally unique identifier (UUID), a hash of the application or site code, a digital signature or key-hashing for message authentication (HMAC) provided by the application, or other information that can be used to fingerprint software (e.g., class name of running service or activity).

Artificial Intelligence: computer system(s) able to perform tasks that normally require human intelligence, such as visual perception, speech recognition, decision-making, and translation between languages.

Attributes: unique identification information associated with a user entity 102, user entity device 104 and/or client device 106 (defined below) such as biometric information, habits, spatiotemporal data, location, behavior, browser and/or network 112 context. Habits of the user entity 102 may be both physical and logical including applications used (104 c, 109) and data usages.

Audit Log: a standard for message logging which allows separation of the software that generates messages, the system that stores them, and the software that reports and analyzes them.

Authentication Assurance: the degree of confidence reached in the authentication process that the communication partner (human or machine) is the user entity 102 that it claims to be or is expected to be. The confidence may be based on the degree of confidence in the binding between the communicating user entity device 104 and the user entity 102 identity that is presented.

Authorization: an indication (e.g., yes/no, true/false) of whether the action is allowed or a token that grants access or is proof of allowance of an access, and which can be provided to system and method 100 which requires proof that a given user entity 102 is authorized for a particular action, or a callback to the system 100 indicating that the user entity 102 is authorized.

Biobehavioral Derived Credential: a derived credential that is drawn from a combination of human biological features, behavioral activities and digital-logical habits of the claimed identity of a digital consumer such as a user entity 102.

Claimed Identity: until verified any presented credential such as user entity 102 identity and credentials such as a password or other methods are classified as claimed identity (versus confirmed identity which is a post successful authentication).

Computer (e.g., user entity device 104, client device 106, risk engine 110, replying party server 113): may refer to a single computer or to a system of interacting computers. A computer is a combination of a hardware system, a software operating system and perhaps one or more software application programs. Examples of a computer include without limitation a laptop computer, a palmtop computer, a smart phone, a cell phone, a mobile phone, an IBM-type personal computer (PC) having an operating system such as Microsoft Windows®, an Apple® computer having an operating system such as MAC-OS, a server, hardware having a JAVA-OS operating system, and a Sun Microsystems Workstation having a UNIX operating system.

Contextual Identifiers (or Contextual Factors): may be part of the verification process of a user entity 102 and/or client device 106 and may include the following multifactors used singularly or in different combinations: location, biometrics (e.g., heartbeat monitoring, iris recognition, fingerprint, voice analysis, and deoxyribonucleic acid (DNA) testing), user entity 102 habits, user entity 102 location, spatial information, user entity 102 body embedded devices, smart tattoos, dashboard of the user entity 102 car, the user entity 102 television (TV), the user entity 102 home security digital fingerprint, facial recognition (e.g., faceprint), Domain Name System (DNS), type of user entity device 104, client device, user entity device browser 105 context, client device browser 108 context, network 112 context, remote access Virtual Private Network (VPN), client device application 109 usage and habits, user entity device application 104 c usage and habits, data sharing, access fingerprint and the like.

Credentials: may take several forms, including but not limited to: (a) personally identifiable user entity 102 information such as name, address, birthdate, etc.; (b) an identity proxy such a user entity 102 name, login identifier (e.g., user entity name), or email address; (c) some biometric identifiers such as fingerprint, voice, or face; (d) an X.509 digital certificate; (e) a digital fingerprint and approval from a binded user entity device 104; (f) behavioral habits of a user entity 102 or user entity device 104 in physical or cyber space; and/or (g) behavior of network 112 and applications 104 c, 109 at the time of user entity device 104 interface with the application and network 112. The term “credential” or “credentials” means something that is provided as a correct response to a given authorization challenge, such as a user entity 102 name/password, token, or similar data element or object as described in more detail in the description that follows.

Device: means hardware, software or a combination thereof. A device may sometimes be referred to as an apparatus. Each device is configured to carry out one or more steps of the system and method 100 described herein and may be used for large-scale behavioral targeting.

Egocentric (as opposed to Allocentric discussed above): in the context of both physical and cyber transactions is the relation of user entity 102, user entity device 104, client device 106 and/or an application (104 c, 109) used by or on these devices to the overall system and method 100. In an egocentric analysis, context may be network 112 attributed, overall traffic on the network 112, a data signature and/or transactions relative to each of the user entity 104 and client device 106.

Engine: the term “engine” is used herein to indicate software components an order of magnitude more complex than ordinary modules of software (such as libraries, software development kits (SDKs), or objects). Examples of software engines include relational database engines, workflow engines, inference engines and search engines. A common characteristic of software engines is metadata that provides models of the real data that the engine processes. Software modules pass data to the engine, and the engine uses its metadata models to transform the data into a different state.

Fingerprinting: collection of Attributes that help identify the authentic user entity 102, user entity device 104 and/or client device 106.

Heartbeat: when the user entity's computers send regular reports on their security status to the monitoring computer to determine whether the user entity 102 is still on the network 112, is valid and should still allowed to be on the network 112.

Identity Assurance: the degree of confidence in the process of identity validation and verification used to establish the identity of the user entity 102 to which the credential was issued and the degree of confidence that the user entity 102 that uses the credential is that user entity 102 or the user entity 102 to which the credential was issued or assigned.

Level of Assurance (LOA): a level of confidence for identity proofing with respect to the binding between level of access for a user entity 102 and the presented identity information. The level of assurance is a required level of trust (i.e., threshold) to allow access to a service. An example of LOA is dynamic LOA which is capable of increasing or decreasing within a session. The concept of Level of Assurance was described in U.S. Pat. No. 9,426,183, filed on Jul. 28, 2014; U.S. Pat. No. 10,325,259, filed on Mar. 18, 2015; and U.S. Pat. No. 10,387,980, filed on Jun. 6, 2016; each of these patents assigned to Applicant and each patent hereby incorporated in their entirety by reference.

Level of Assurance Provider (LOA Provider): may be a mobile or stationary device (e.g., user entity device 104, client device 106) associated with the user entity 102 and registered with risk engine 110 (e.g., LOA Server or located on a relying party 113 server) and configured to confirm (or decline) a transaction authorizing access to elevated relying party services. Alternatively, the LOA Provider may be a user entity 102 (e.g., human) who provides the biometric information or decision to approve or decline through the user entity device 104 (or client device 106) via collection of methods and credentials.

Machine learning: an application of artificial intelligence (AI) that provides computer systems the ability to automatically learn and improve from data and experience without being explicitly programmed.

Modules: may constitute either software modules (e.g., code embodied on a machine-readable medium or in a transmission signal) or hardware modules. Certain embodiments are described herein as including logic or a number of components, modules, or mechanisms. A “hardware module” (or just “hardware”) as used herein is a tangible unit capable of performing certain operations and may be configured or arranged in a certain physical manner. In various example embodiments, one or more computer systems (e.g., a standalone computer system, a client computer system, or a server computer system) or one or more hardware modules of a computer system (e.g., a processor or a group of processors) may be configured by software (e.g., an application or application portion) as a hardware module that operates to perform certain operations as described herein. In some embodiments, a hardware module may be implemented mechanically, electronically, or any suitable combination thereof. For example, a hardware module may include dedicated circuitry or logic that is permanently configured to perform certain operations. For example, a hardware module may be a special-purpose processor, such as an FPGA or an ASIC. A hardware module may also include programmable logic or circuitry that is temporarily configured by software to perform certain operations. A hardware module may include software encompassed within a general-purpose processor or other programmable processor. It will be appreciated that the decision to implement a hardware module mechanically, in dedicated and permanently configured circuitry, or in temporarily configured circuitry (e.g., configured by software) may be driven by cost and time considerations. Accordingly, the phrase “hardware module” should be understood to encompass a tangible entity, be that an entity that is physically constructed, permanently configured (e.g., hardwired), or temporarily configured (e.g., programmed) to operate in a certain manner or to perform certain operations described herein. As used herein, “hardware-implemented module” refers to a hardware module. Considering embodiments in which hardware modules are temporarily configured (e.g., programmed), each of the hardware modules need not be configured or instantiated at any one instance in time. For example, where a hardware module comprises a general-purpose processor configured by software to become a special-purpose processor, the general-purpose processor may be configured as respectively different special-purpose processors (e.g., comprising different hardware modules) at different times. Software may accordingly configure a processor, for example, to constitute a particular hardware module at one instance of time and to constitute a different hardware module at a different instance of time. Hardware modules can provide information to, and receive information from, other hardware modules. Accordingly, the described hardware modules may be regarded as being communicatively coupled. Where multiple hardware modules exist contemporaneously, communications may be achieved through signal transmission (e.g., over appropriate circuits and buses) between or among two or more of the hardware modules. In embodiments in which multiple hardware modules are configured or instantiated at different times, communications between such hardware modules may be achieved, for example, through the storage and retrieval of information in memory structures to which the multiple hardware modules have access.

Network (112): means any combination of electronic networks, including without limitation the Internet, a local area network (LAN), a wide area network, a wireless network and a cellular network (e.g., 4G, 5G).

Network Security Policy (or Policy): rules for computer network access which determines how policies are enforced and lays out some of the basic architecture of the security/network security environment of system and method 100.

Out of Band Notification: one form of two-factor or multi-factor authentication that requires a secondary sets of verification method through a separate communication channel(s) along with an identification and password.

Processes (or Methods): some portions of this specification are presented in terms of processes (or methods) or symbolic representations of operations on data stored as bits or binary digital signals within a machine memory (e.g., a computer memory). These processes or symbolic representations are examples of techniques used by those of ordinary skill in the data processing arts to convey the substance of their work to others skilled in the art. As used herein, an “process” is a self-consistent sequence of operations or similar processing leading to a desired result. In this context, processes and operations involve physical manipulation of physical quantities. Typically, but not necessarily, such quantities may take the form of electrical, magnetic, or optical signals capable of being stored, accessed, transferred, combined, compared, or otherwise manipulated by a machine. It is convenient at times, principally for reasons of common usage, to refer to such signals using words such as “data,” “content,” “bits,” “values,” “elements,” “symbols,” “characters,” “terms,” “numbers,” “numerals,” or the like. Unless specifically stated otherwise, discussions herein using words such as “processing,” “computing,” “calculating,” “determining,” “presenting,” “displaying,” or the like may refer to actions or processes of a machine (e.g., a computer) that manipulates or transforms data represented as physical (e.g., electronic, magnetic, or optical) quantities within one or more memories (e.g., volatile memory, non-volatile memory, or any suitable combination thereof), registers, or other machine components that receive, store, transmit, or display information.

“Processor-implemented Module”: a hardware module implemented using one or more processors. The various operations of example methods described herein may be performed, at least partially, by one or more processors that are temporarily configured (e.g., by software) or permanently configured to perform the relevant operations. Whether temporarily or permanently configured, such processors may constitute processor-implemented modules that operate to perform one or more operations or functions described herein.

Real Time: the time associated with authorization periods described herein which range depending on the type of transaction, need and urgency for authorization. The authorization time periods may vary from under 10 seconds to 24 hours or more. Real time authorization as used herein prevents fraud at its inception versus mitigating it in a post event notification. In one implementation, real time may refer to the time for the transaction to complete.

Refresh: periodically, an LOA Server will perform a “refresh” to update at least some of the plurality of verified attributes and the verified credentials based on predetermined policies and on demand from the RP Server. For example, refresh can be a time based or policy or rule based reconnection of a LOA Provider to the LOA Server to say that a remote secure password is renewed or changes.

Relying Party 113: could be an entity in multiple sectors requiring secure interactions such as financial institutions, healthcare, airport operators, Transportation Safety Administration (TSA), hotel operators, retailers, education institutions, government agencies and associated social services, social networks, websites, and the like. A relying party 113 will typically use a server (i.e., the Relying Party Server) as a manifestation of its intentions. “Relying Party” and “Relying Party Server” shall be used interchangeably herein.

Relying Party (RP) Services: may typically be any web or on-premises service requiring approval for access with dynamic different levels of assurance within. Relying Party Services can be any transaction including authorized login such as Web or on-premise log-in; Virtual Private Network (VPN) log-in; transaction monitoring; financial transaction for online or a point of sale (such as the dollar amount, type of transaction including check versus wire versus cashier check); a workflow for approving, viewing or modifying data on a server; access to confidential versus restricted data; and physical access control to a building or secure space. Relying Party Services can be an application (i.e., Relying Party (RP) Services Application) and/or application programming interface (API) residing on a user entity device 104 and/or client device 106; be part of an RP Server 113; and/or be located at a separate server. In addition, an RP Service may be an application executing on a user entity device 104 and/or client device 106 and connected to the RP Server(s) and/or located at a separate server, wherein the RP Server(s) and/or separate server provides the data and executables for providing the service through the application. In addition, as discussed below, an RP service may include concierge services.

Risk Engine 110 (e.g., Acceptto eGuardian® server and also known as an LOA Server or Identity Provider): a server that provides a continuous identity verifier service and may be a Machine2Machine (M2M) server. The risk engine 110 may be part of the same server as a relying party server 113 or located in a separate server at the same or a remote location.

Security Assertion Markup Language (SAML): an extensive markup language (XML)-based framework for authentication and authorization between user entity devices 104 and/or client devices 106.

Security Information and Event Management (SIEM): is the aggregate security information management and security event management functions into one system to collect relevant data from multiple sources, identify deviations from the defined norms and provide an early warning or even take appropriate action as needed to inform enterprise information security and information technology (IT) experts of a possible threat during an event or post an event.

Significant Events: a defined normal (or abnormal) event of interest defined by the policy engine 110 a of a risk engine 110 or through the artificial intelligence/machine learning (AIML) cognitive engine 330 that can trigger a condition of interest. The condition of interest may demand a change in the level of assurance (i.e., dynamic LOA) required in real-time during an active session to initiate a need for response to authenticate, authorize, audit or even deny service where appropriate.

Server: means a server computer or group of computers that acts to provide a service for a certain function or access to a network 112 resource. A server may be a physical server, a hosted server in a virtual environment, or software code running on a platform.

Service: an online server (or set of servers), and can refer to a web site and/or web application.

Software: is a set of instructions and its associated documentations that tells a computer what to do or how to perform a task. Software includes all different software programs on a computer, such as applications and the operating system. A software application could be written in substantially any suitable programming language, which could easily be selected by one of ordinary skill in the art. The programming language chosen should be compatible with the computer by which the software application is to be executed and, in particular, with the operating system of that computer. Examples of suitable programming languages include without limitation Object Pascal, C, C++, CGI, Java and Java Scripts. Further, the functions of some embodiments, when described as a series of steps for a method, could be implemented as a series of software instructions for being operated by a processor, such that the embodiments could be implemented as software, hardware, or a combination thereof.

Spatiotemporal Velocity: user entity 102 transaction, access and login inference based on time and location and scoring based on proximity, distance of travel and time feasibility.

Threat Actor (or Bad Actor): a human or machine attempting to gain unauthorized access to a network 112, a user entity device 104 and/or client device 106.

Token: an electronic software access and identity verification device used in lieu of or with an authentication password.

Trusted Device: a known user entity device 104 or client device 106 (or their browsers 105 and 108) over which an organization has some control and can assume some level of basic security. Typically, the user entity device 104 and client device 106 feature a software agent that directs traffic to the corporate network so basic security checks such as a passcode and up-to-date operating system (OS) can be done. Once these checks are completed, a trusted device will usually receive unrestricted network access so the user entity 102 can retrieve all the information they need to work remotely.

Trust score (or Risk Score) 114: a score set by system and method 100 to determine whether a user entity 102 seeking access is a threat. The trust score is an aggregate of confidence in the active session. (In comparison, the Level of Assurance (LOA) is the required level of trust for a requested action). A trust score for a threat shall be determined by combining user entity 102 data, user entity device 104 data and client device 106 data. Various vectors, behavioral patterns and biometric data (e.g., fingerprint, face identification) from the user entity 102 are combined and converted to a trust score 114. A version of trust score may also be passed to a relying party 113 through an “I Am Here” mobile API 111 a as discussed herein.

User Entity 102: may be a consumer, entity, machine entity, user entity agent, client, client agent, subscriber, requesting agent and requesting party and may be human or machine.

User Entity Device 104: may be any device associated with a user entity 102.

FIG. 1 illustrates a system and method 100 for secure authentication of user entity 102 and user entity device 104 identity. FIG. 2 illustrates a system and method 100 for secure authentication of user entity 102 and client device 106 identity. The system and method 100 establishes security between the physical and cyberspace. The system and method 100 allows an identity to be continuously proven based on both user entity's 102 behavior and biometric attributes. With all the fraud and risk that exists today, if someone has a user entity's driver's license they can do a lot of harm. By tying a user entity's 102 identity to their user entity device 104 (e.g., a mobile smartphone) and/or client device 106, when a user entity 102 enters or acccesses a location (e.g., airport, hotel, bank) the user entity device 104 “announces” through a signal that it is here. The announcement may be made either in a passive way (e.g., automatically) or active way (e.g., the user entity 102 presses a button on the user entity device 104 to opt in).

FIGS. 1 and 2 show the system and method 100 utilizing behavioral modeling with enabling location based services and client passive authentication. Passports, driver's licenses and even biometric identification is often not enough to identify and authenticate a potential customer for an airport, hotel or the like. Instead, a “continuous” authentication should start from a user entity 102 login to user entity devices 104 and/or client devices 106, continue with services used by the user entity 102 and then serve the user entity 102 when he or she arrives at a location (e.g., airports, hotels, banks, and doctors offices). In the description herein, the operator of a location such as a hotel or bank is identified as a “relying party” 113 which relies on a continuous authentication analyzed and monitored through a risk engine 110 (e.g., Acceptto eGuardian®) to determine a level of assurance (LOA) and whether a trust score 114 for the user entity 102 contacting the relying party 113 meets the level of assurance. The system and method 100 disclosed herein prevents fraud, removes friction, improves work flow and allows for “touchless” authentication.

FIGS. 1 and 2 include a user entity 102, user entity device 104 having a user entity device browser 105, a client device 106 having a client device browser 108, risk engine 110 and a network 112. Risk engine 110 (e.g., an eGuardian® server(s)) monitors and operates in parallel to the user entity device 104 and client device 106. Risk engine 110 tracks all activities associated with the operation of the system and method 100. The risk engine 110 may be located on site of a relying party 113 or at a remote location. “I Am Here” Mobile Application Programming Interface (API) 111 a resides on user entity device 104 and/or client device 106. A user entity 102 with user entity device 104 may attend bars, restaurants, hotels, concerts and/or see friends as represented by reference 115 in FIG. 1. The risk engine 110 may be constantly monitoring the user entity 102 through its user entity device 104. Risk engine 110 will analyze both the biometric inputs from the user entity 102 and the behavior of the user entity 102 to determine whether a relying party 113 is dealing with an authenticate user entity 102 or some type of fraud. Correspondingly, as shown in FIG. 2, user entity 102 may use client device 106 to browse websites of bars, restaurants, hotels, concerts and/or that of friends which are represented by reference 117 which may also be monitored by the risk engine 110.

The “I Am Here” mobile API 111 a on the user entity device 104 (and/or client device 106) communicates with third parties such as a relying party 113 (e.g., hotels, airports, banks and bank ATMs) and risk engine 110. Mobile API 111 a allows communications both inward and outward, performs analytics, and gives a safety rating (or trust score) to a relying party 113. In addition, the API 111 a will provide secure communications with a relying party support center (e.g., concierge service). The support center may take the form of a support API 111 b which may reside either in the relying party server 113, on the user entity device 104, and/or client device 106, or at another location. The mobile API 111 a may communicate securely with the support API 111 b either through text and/or voice. Mobile API 111 and support API 111 b may use Transport Layer Security (TLS) encryption which is a standard that keeps a network 112 connection private and checks that the data sent between the mobile API 111 a, support API 111 b, the relying party 113 and/or risk engine 110 is encrypted and unmodified. During operation of system and method 100, a relying party 113 which may be a hotel hospitality call center may send a push notification with a verification code to the mobile API 111 a to confirm the identity of the user entity 102. The API 111 a may track user entity 102 activities such as payments, user behavior analytics (UBA) services, identification authorization and proofing, user habits (e.g., health), secure data access, crowd control & safety, check-in and check out services (e.g., hotels, airports, and the like), short message service (SMS) concierge services (e.g., Zingle, Whistle), promotions and other location based service (LBS) functions. API 111 a utilizes behavior analytics of user entity 102 including predetermined criteria such as preferences, loyalty, and safety rating support to work with the support API 111 b to provide bookings to the types of events 115, 117 as shown in FIGS. 1 and 2. API 111 a may allow the user entity device 104 to wirelessly announce itself whenever it arrives at a relying party location such as an airport, hotel, automatic teller machine (ATM) at a bank or the like. As discussed above, the mobile API 111 a may automatically announce itself or require an opt in by the user entity 102 by pressing a button on the user entity device 104. When the user entity 102 opts in the sensor hub 340 in user entity device 104 sends its information through the network 112 to risk engine 110 and/or relying party server 113. The relying party server 113 may be operated by an airport, hotel, bank and the like. The “I Am Here” mobile API 111 a allows the relying party 113 location to not only know the user entity device 104 is present but what other services that user entity 102 may require while at the relying party 113 location. Support services API 111 b may be a concierge service which rests on either the user entity device 104 and/or the relying party 113 server and allows for a direct, secure link to determine which services are desired by user entity 102 and which are offered. A list of concierge services may be pushed to the API 111 a for selection by the user entity 102. These concierge services may be based on preferences and/or loyalty the user entity 102 may have with that relying party 113 location. The mobile API 111 a may be provided by the relying parties 113 and/or it could be an API provided by the risk engine 110 that securely connects with the APIs of relying parties 113. The support API 111 b requires trust score 114 to meet a level of assurance (LOA) (e.g., 1.6 as shown in FIGS. 1 and 2) before it will assist in bookings. The level of assurance is dynamic and will change depending on the situation. The system and method 100 allows for continuous authorization to provide access to support API 111 b and other applications 104 c, 109 (e.g., third party applications). These third party applications 104 c and 109 may communicate with a relying party (RP) server 113 having its own policy engine 113 a. The risk engine 110 maintains the level of assurance of the system and method 100. The risk engine 110 provides continuous behavioral authentication at every stage of a trusted device (e.g., user entity device 104 and/or client device 106) interaction with the network 112 and relying party 113 including access to, transactions with and/or changes in level of assurance (LOA) throughout an active session. The risk engine 110 keeps track of user entity 102 behavior, network 112 traffic (both in an allocentric and an egocentric manner), user entity device 104 behavior, client device 106 behavior, and user entity 102 habits and associated transactions. In addition, the risk engine 110 may obtain ambient intelligence from other devices such as Internet of Things (loT) devices connected to the network 112 and third party data to help classify each transaction risk collectively and look for abnormal behavior by a threat actor trying to behave as a user entity 102. Based on this information, the risk engine 110 continuously maintains and updates a trust score 114 for a user entity device 104 (and/or client device 106) to see if it matches the required level of assurance (LOA) for access to a service offered by the relying party 113. This allows the system and method 100 to deliver cognitive continuous authentications for each session and the transactions within and to classify anomalies and calculate risk at all stages within an active session.

The system and method 100 disclosed herein enable a risk engine 110 to build a predictive analytics engine 124 (shown in FIG. 5) delivering a dynamic level of assurance (LOA) technique. As discussed above, the level of assurance (LOA) is a level of confidence for identity proofing for the binding between level of access for a user entity 102 and the presented identity information. Dynamic LOA means the risk engine 110 is capable of adjusting the level of assurance up and down in an active session.

The system and method 100 disclosed herein reduces difficulties (i.e., friction) in gaining access to booking support through support APIs 111 b for legitimate user entities 102, elevates trust in platform exchanges and injects preventive flows and measures when encountering potential threat actors. The mobile “I Am Here” API 111 a and support API 111 b are able to reside on user entity device 104 (and/or client device 106) to deliver an end-to-end solution feeding an analytics and early warning system. The user entity device 104 and/or client device 106 may be a particular, designated electronic, computational, and/or communication device associated with a user entity 102 who will be seeking access to a booking system through network 112. The user entity device 104 and/or client device 106 may be registered to (and binded to) a particular user entity 102. The user entity device 104 may be any communication device (including wireless devices) that can receive and transmit messages and conduct transactions. User entity device 104 may be in the form of a mobile device which also may have a user entity device browser 105 (e.g., smart phone such as Apple® iPhone®). The user entity device 104 may also be a smart device such as a watch, ring or fitness device. Alternatively, the user entity device 104 may incorporate or function on multiple electronic devices or may be any of a variety of electronic devices that a user entity 102 happens to be using at the time. The user entity device 104, client device 106 or a module that is embedded within the user entity device 104 or client device 106 may have a user identity proofing component such an embedded biometric service, feature or capability. These identity proofing components may include voice, face, fingerprint, walking gait, and other unique identifiable biometrics that may be decentralized using various sensory solutions that can uniquely identify the user entity 102 and their associated login or transaction. By connecting the user entity 102, user entity device 104, user entity device browser 105, client device 106, and/or client device browser 108 habits to the contextual data used in the threat actor analysis it is possible to model user entity 102 normal behavior and detect abnormalities. In certain instances, the user entity device 104 may be a mobile device that is either issued or trusted by the workplace or booking relying party to gather user entity 102 behavior information. The user entity device 104 may have a mobile device manager (MDM) installed to ensure certain policies associated with the use of the user entity device 104.

Client device 106 may be in the form of a desktop personal computer having a client device browser 108 and discrete or integrated client device applications 109 for connectivity, communication, data exchange and other services. The client device 106 may be another device upon which the user entity 102 is operating and may be capable of performing client device applications 109. The client device 106 may be any suitable electronic, computational, and/or communication device for conducting transactions, such as a mobile device (e.g., iPhone), cloud device (e.g., iCloud), desktop computer, cash register, kiosk, order terminal, electronic lock, automobile lock, payment processing and point of sale device. The client device 106 may also be any location or device on which a user entity 102 may seek access to a client device 106, an electronic location, a secure facility, user entity 102 information, or other location or item having restricted access. Therefore, while such a client device 106 may have a user entity 102 input, such as a keyboard or keypad, the user entity 102 input terminal would not necessarily have the capacity to display messages to a user entity 102 attempting to enter into a transaction. In certain embodiments, the user entity 102 may be an employee, for example, of a government agency, a pharmaceutical or health provider company, a financial institution, or an enterprise with privileged access to highly sensitive assets, data or a client of all of the above. In such instances, the user entity 102 is pre-authorized and trusted with certain access permissions and credentials such as user entity 102 name and password and other additional factors and credentials to access the network 112 or services.

The risk engine 110 may be used to identify user entity 102, user entity device 104, user entity device browser 105, client device and client device browser 108 behavior unique attributes. The risk engine 110 will store and later match against a database to infer change upon consequent transactions and measuring transaction risk through a search and match against classified set of static and dynamic attributes. The idea of the behavior of the user entity 102, user entity device 104, user entity device browser 105 and its browser fingerprint in general is for the risk engine 110 to identify legitimate traffic and obtain indication of correct flow signature on progression of visiting a portal or web page. This is compared to the backdoor application programming interface (API) techniques that threat actors use given they are aware that they are being fingerprinted in their path. User entity device 104 and client device 106 may collectively gather data based on the user entity 102 behavior and create or augment a behavior based identity for the user entity 102. In one embodiment, the collection or gathering of data may be performed using a secure operator application installed on the user entity device 104 and/or client device 106.

The risk engine 110 may, in various examples, be Machine to Machine Digital Key Authentication (M2M-DKA) servers and may utilize a secure communication protocol over network 112. The risk engine 110 of system and method 100 generally, may provide an integrated per user entity 102 contextual pattern detection for a network 112, client device 106, secure facility operator, a relying party and/or the customers enabling transparency and detection of attacks and leakage of secure information. Risk engine 110 may be used to identify user entity device 104, user entity device browser 105, and behavior unique attributes, storing and later matching to infer change upon consequent transactions and measuring transaction risk through a search and match against classified set of static and dynamic attributes using a user entity device 104, user entity device browser 105 finger print, browser 105 traffic, and user entity device inference engine 104 b.

A user entity 102 can use either user entity device 104 or client device 106 separately or at the same time. Both user entity device 104 and client device 106 are coupled to risk engine 110. The user entity 102 behavior patterns (e.g., habits) with user entity device 104 and client device 106 and applications 109 and services embedded or added and attributes of the user entity device 104 and client device 106 can all be measured by the risk engine 110. Recording these attributes creates a “normal” risk threshold which is used in the creation of the trust score 114. The user entity device 104 and/or client device 106 collectively gather data based on user entity 102 behavior such as flow of use of applications (104 c, 109), micro services within the applications (104 c, 109), data usage, and in general the egocentric versus allocentric behavior of the user entity 102. The risk engine 110 creates or augments a behavioral based identity for the user entity 102 by graphing the patterns of the user entity 102 of interest, user entity device 104, client device 106, and pattern of applications (104 c, 109) and data used by the user entity 102. By graphing predictable events, the risk engine 110 can determined which events are predictable and which are not. In one embodiment, the collection or gathering of user entity 102 behavior data may be performed using a secure operator application (104 c, 109) installed on the user entity device 104 and/or client device 106. Components of the system and method 100 of the present embodiments include: i) user entity device 104 data; ii) behavior inference using both user entity device 104, user entity device browser 105, client device 106 and client device browser 108; and iii) portal device and browser finger printing combined which enables an assembly of data about the user entity 102 and its user entity device 104 and client device 106. The data is captured for real-time and post analytics in the risk engine 110 and hence unleashing the power of predictive analytics to prevent fraud.

The network 112 may include or be accessed by WiFi, Bluetooth, radio-frequency identification (RFID), near field communications (NFC), fourth generation long term evolution (4G-LTE) cellular, fifth generation (5G) cellular and similar communication technologies. The network 112 may be accessed through a secure website.

FIGS. 3 and 4 illustrate an example of a user entity device 102 and/or client device 106 that may be used with the system and method 100. The user entity device 104 and client device 106 can each separately have all or some predetermined subset of components and functionalities as described below. User entity device 104 may be a wireless device with integrated compute capabilities, sensors and at least one field programmable gate array (FPGA) that is programmed with customized biobehavioral compute technology and customized nano-electromechanical systems (NEMS). The user entity device 104 may be a laptop computer, cellphone, smartphone (e.g., Apple® iPhone®), a wireless user entity digital assistant, wireless tablet (e.g., Apple® iPad®), wireless watch (e.g., smart watch and/or sports watch), wearable device (e.g., smart glasses), video game devices, wireless electronic patch, wireless device embedded under the skin, a wearable device mounted on a wristband, a wireless device on the user entity's clothing, and any other device capable of wireless communications with network 112. User entity device 104 could be a virtual digital tattoo with some radio frequency (RF) capability. The user entity device 104 also could be a virtual quick response (QR) code that is generated for user entity device 104 at the time of entry and is associated with a moving user entity device 104 and is continually refreshed to allow for tracking the movement of the user entity device 104. The user entity device 104 may be tracked, detected and/or recognized using an ambient intelligence vision system.

As shown in FIG. 3, the user entity device 104 and/or client device 106 may include the transceiver equipment of a modern smartphone such as a gyroscope 310 and a global positioning satellite (GPS) 320. The user entity device 104 could also have a cognitive engine 330. Cognitive engine 330 may include a field programmable gate array (FPGA) connected to a biometric, habit sensor, application and sensor hub 340. The cognitive engine 330 may include a series of specialized nano-electromechanical systems (NEMS) 362. The FPGA of the cognitive engine 330 may be programmed with customized biobehavioral compute technology. In an alternative embodiment, instead of an FPGA the functions of the cognitive engine 330 may be implemented in other integrated hardware such as specialized application specific integrated circuits (ASICs). In an alternative embodiment, instead of an FPGA the functions of the cognitive engine 330 may be implemented in software.

As shown in FIG. 3, sensor hub 340 is capable of receiving and analyzing inputs from a plurality of sensors and applications. The sensor hub 340 may include taptics, haptics, fingerprints, location coordinates and elevation, user entity 102 habits and facial, voice and ambient noise, magnetic signature, light, air distinct characteristics like humidity, carbon monoxide, and other recognition sensing capabilities. The sensors in the sensor hub 340 may also include customized NEMS 362. The sensors may be discrete or integrated into the sensor hub 340. The information from the hub 340 is collected and analyzed in cognitive engine 330 to provide a trust score 114 in evaluating the level of verification of the user entity device 104 and whether he or she (or machine entity) is the correct authorizing user entity 102. The sensor hub 340 may include a fingerprint input sensor 341 for a biometric input. The hub 340 may include a wireless detection sensor 342 that may be used to analyze a variety of wireless communication parameters such as a Service Set Identifier (SSID) and their associated attributes such signal strength and proximity to and use in local access networks (LANs) wireless LANs (WLANs), or WiFi access points.

Reference item 344 indicates an analytical engine which is configured to receive input from the other sensors in the sensor hub 340 to monitor the user entity 102 spatiotemporal and behavior patterns and habits to determine if the user entity 102 of the user entity device 104 is the correct entity. For example, habits might include environmental and/or behavioral patterns of the user entity 102 of the user entity device 104 such as the time the user entity 102 wakes up, arrives at the gym, arrives at a secure facility, and/or logs on to the network 112 and the like.

Sensor 346 is used to measure gestures regarding how the user entity 102 handles the user entity device 104 and/or client device 106. For example, these gestures might include how the user entity 102 swipes the screen of the user entity device 104 with their finger including pressure, direction, right handed vs. left handed, and the like. In addition, sensor 346 may measure the electromagnetic signature of the operating environment of the user entity device 104 to determine if it fits a profile for the user entity 102. For example, the subscriber identification module (SIM) card and mobile identification of the user entity device 104 combined with the background electromagnetic factors may all be used in a verification process that the user entity 102 of the user entity device 104 is the correct entity. Reference item 348 measures an internet protocol (IP) address being used by the user entity device 104 and may use a look up feature to verify the user entity device 104 is in a region typically occupied by the user entity 102. Camera 350 may be used for facial recognition of the user entity 102 and other biometric inputs such as a tattoo. In addition, the camera 350 may be used to capture a background of the user entity 102 of the user entity device 104 to determine if it is an environment in which the user entity 102 oftentimes is found (e.g., a picture hanging behind the user entity 102 of the user entity device 104 may conform to a user entity 102 profile). Iris scanner 352 may be used to confirm through an eye scan the identity of the user entity device 104 operator. Reference item 354 indicates the user entity device 104 “unique identification” which may be tied to a SIM card number and all associated unique signatures, an International Mobile Equipment Identification (IMEI) number or an Apple® identification, a telecommunications carrier (e.g., AT&T®, Verizon®), or battery serial number. Ambient noise sensor 356 measures the noise levels surrounding the user entity device 104 including noises from nature and manmade noises (including communication equipment produced radio frequency noise). Ambient sensor 356 may also be able to measure a speaking voice to create a voiceprint to be able to verify that the user entity 102 is authentic. Reference item 358 is an application that measures the “wellness” of the user entity 102 of the user entity device 104 including heart rate, sleep habits, exercise frequency, and the like to gather information on the user entity device 104 and the user entity's 102 lifestyle to contribute to verification decisions. Bus 360 couples the sensors and applications of the hub 340 to the cognitive engine 330.

FIG. 4 shows a more detailed view of the cognitive engine 330 and sensor hub 340. The cognitive engine 330 includes a policy engine 330 a, a cognitive risk engine 330 b, history tables 330 c, and bot detector 330 d. (The policy engine 330 a corresponds to the user entity device policy engine 104 a or the client device policy engine 106 a). The policy engine 330 a sets the factors in evaluating the risk when receiving input from the sensors and applications on the sensor hub 340. The cognitive risk engine 330 b calculates the information received from the sensor hub 340 and makes a determination regarding a trust score 114 in regard to the current user entity 102 of the user entity device 104. The history tables 330 c record the user entity's 102 habits of the user entity device 104. The bot detector 330 d determines whether a computer program is attempting to trick the user entity device 104 into thinking it is a legitimate user entity 102 by simulating the device owner activities and is attempting to conduct a verification without the actual owner. In one implementation, the bot detector 330 d monitors which applications 109 typically operate on the user entity device 104 and if it discovers a new application residing and running beyond the routine, it raises a risk level warning that something unusual is happening with the user entity device 104. Overall, the cognitive engine 330 assists in determination of the type of authentication required based on trust score.

FIG. 5 is a block diagram of system and method 100 showing fewer elements than an overall system diagram shown in FIGS. 1 and 2. As discussed above, system and method 100 includes a user entity device 104 with a user entity browser 105, a client device 106 with a client device browser 108, and a risk engine 110, in an exemplary embodiment. The user entity device 104, client 106, and risk engine 110 are communicatively couplable with respect to one another via a network 112 so that the risk engine 110 can monitor the user entity 102, user entity device 104 and/or client device 106 to gather behavioral and/or biometric data of a user entity 102 to determine whether they should be allowed access to the network 112. As discussed above, the network 112 may be the Internet or any other suitable public or private data network. The system and method 100 may provide customer and transaction authentication based, at least in part, on biobehavioral verification, as disclosed above.

In the illustrated example shown in FIG. 5, the user entity device 104, client device 106 and risk engine 110 each incorporate a policy engine—user entity device policy engine 104 a, client device policy engine 106 a and risk engine police engine 110 a. The policy engines 104 a, 106 a, and 110 a may establish policy orchestration (i.e., coordination) for the system and method 100 generally which may be established by a system manager. In various examples, the user entity device policy engine 104 a, client policy engine 106 a and the risk engine policy engine 110 a may operate as a single policy engine for the system and method 100 as a whole. Such a single policy engine may be provided by the risk engine 110 but may receive policy directions from the user entity device 104 and/or client device 106. In various examples, the user entity device policy engine 104 a (and/or or risk engine policy engine 110 a) may establish policy orchestration for policies and protocols concerning how and under what circumstances a user entity 102 may be validated, including circumstances in which a user entity 102 request for admittance to a client device 106, network 112 and/or secure facility may be automatically approved or rejected. In various examples, the risk engine policy engine 110 a may establish policy orchestration for policies concerning the circumstances in which an authorizing party (e.g., actual user entity 102) may be required to authorize a transaction of an entity asserting to be the user entity 102. Sensor hubs 340 located in each of the user entity device 104 and/or client device 106 allow a variety of environmental/contextual information to be monitored.

In the embodiment of FIG. 5, the risk engine 110 may be operated by or for the benefit of an enterprise which may be any party that may offer a service or control access to a user entity device 104, client device 106, network 112 or something for which attempts to engage by a user entity 102 may need to be authorized or authenticated by an authorizing party. The risk engine 110 includes a network interface 116 couplable to the network 112 and a processor 118. The processor 118 may be configured to implement policies provided by the system manager (or authorizing party) to a risk engine policy engine 110 a as well as a transaction module 120 configured to complete a transaction (or validation) based on a request as received from the user entity 102. The transaction module 118 may further provide automatic authorizations or rejections based on authorization policies. The processor 118 may also be configured to implement an information module and inference engine 122 configured to transmit information to and receive information from the user entity device 104, such as authorization requests and response authorization approvals or rejections. The processor 118 may further be configured to operate an analytics engine 124 that calculates the risk score of each access to the network 112, client device 106 and transactions within post authorization. The analytics engine 124 operates by analyzing and verifying user entity's 102 identity, inferring contextual data such as user entity device 104 and browser attributes, spatiotemporal velocity, and user entity 102 habits. The analytics engine 124 may be a Core AIML Analytics Engine platform core component. User entity 102 habits may be analyzed by using client device 106 and user entity device sensor hub 340. The analytics engine 124 may be a network allocentric or exocentric anomaly detection engine including data sources from the rest of platform stack such as Security Information Event Management (SIEM), Data Loss Prevention (DLP) or Privileged Access Management (PAM) tools to generate a biobehavioral derived score that is used to maintain the biobehavioral derived credential validity (if it is equal to and/or above the trust score 114). The biobehavioral derived credential validity may be needed to request for authorization in case of loss of confidence, demand for higher level of assurance, or to terminate access by resetting the derived key based on programmed policies of the policy engines 104 a, 106 a, and/or 110 a. In FIG. 5, data from other sources such as internet of thing (IOT) devices that obtain additional ambient intelligence may be fused into the system and method 100. These devices can be ambient third party data sources such as outside camera systems that see the user entity 102 as the user entity 102 travels around during a day in the city. The camera systems may recognize the user entity 102 car, phone or face which are all used to physically verify that the user entity 102 was really there in the location as opposed to user entity 102 digital persona and identifications (IDs) which can be injected into the system 100 electronically and make a synthetic signature of a user entity 102. Both user entity device 104 and client device 106 have an inference engine 104 b, 106 b used in verifying the identity of the user entity 102.

FIG. 5 broadly illustrates how individual system 100 elements may be implemented in a relatively separated or relatively more integrated manner. The risk engine 110 includes is capable of monitoring user entity 102 device behavior, traffic, and fingerprint analytics. These elements of a risk engine 110 support a method to promote locations, machines, time and classifications of the type of transactions to trusted events based on contextual factors. Such contextual factors may include habits, location, devices, browsers and other factors that can uniquely identify the legitimate user entity 102 using behavioral modeling and context versus threat actors who cannot provide similar behavioral and contextual factors in spite of possession of other binary identity attributes and credentials. The risk engine 110 may establish the normality of events, distinguish significant events that can be classified (normal versus abnormal) and enable calculation of the trust score 114. The trust score 114 may be calculated for each access and/or transaction with the client device 106 and/or network 112 and the transactions through the different stages and life cycle of access management including pre-authentication, at authentication and post authorization to deliver a cognitive continuous authentication system and method 100.

The risk engine 110 as shown in FIGS. 1, 2 and 5 has the following plurality of platform core capabilities. One, obfuscation to harden against commonality analysis and detection by fraudsters. Two, classification through common fields versus distinguishable fields. Three, at least one application programming interface (API) to send and receive encrypted data from third party providers. Four, significant analytics and inference capabilities to feed to the risk engine 110 (e.g., LOA engine) including determination of font, the device operating system (OS) version, central processing unit (CPU) model, canvas, native fingerprinting plugins, and proxy. The risk engine 110 further has communication and connectivity capabilities, service delivery and application programming interface (API) mechanisms to aggregate data from relying party applications. In addition, various third party databases, secure information and event management (SIEM) providers, User Behavior Analytics (UBA) tools, calculation of threat intelligence, bot detection and other cyber security tools used by enterprise can be integrated via a smart data hub and fed to the AIML powered risk engine 110. At the core of the risk engine 110 may be an artificial intelligence/machine learning analytics engine 124 that processes and analyzes the various data sources including data from a third party risk API, risk engine information module and inference engine 122 which is capable of detecting network 112 anomalies and user entity inference engine 104 b (e.g., user entity biobehavioral engine). Analytics engine 124 is capable of measuring parameters that identify different classes of network attacks and anomalies at the time of any given set of transaction as both allocentric parameters of the traffic feeding into the inference engine 122 as well as user entity 102 behavior fingerprints. At the network level, this inference is achieved for attacks such as Transmission Control Protocol (TCP) synchronize (SYN), Internet Control Message Protocol (ICMP) and user entity 102 datagram protocol (UDP) flooding, and portscanning as examples of classes. These classes are measured by metering the number of flows with similar patterned payloads to the same destination socket, measuring total volume of flows in bytes and the average packets in flows and hence allowing to establish a distinct behavior by plotting a pattern of normal traffic. Other allocentric parameters of interest may include number of flows that have a similar volume, same source and destination address, but to various different ports. At the user entity 102 behavior level this inference establishes normality of a user entity 102 behavior such as their trusted location and user entity 102 spatiotemporal velocity. Also, in other examples, location and proximity inferences of user entity devices 104 is calculated versus their client device 106 initiated transactions. This may be compared with the last event of interest including an authentication event or other significant events such as major Internet Protocol (IP) change, policy change, or ambient gross violation such as location-time violation that are provisioned by artificial intelligence and machine learning (AIML) configurable policy engine and fingerprinted by a user entity device 104 browser traffic device (UBTD) search & match engine.

Referring to FIG. 5, the trust level of the data collected by the risk engine 110 is a derived trust score 114 (or confidence score) that depends on an anti-tampering rule engine 125 and the mobile application risk engine 110 which is all fed into the business application analytics engine 124. Analytics engine 124 calculates the risk versus friction and triggers an Audit & Early Warning Engine 126 to initiate an appropriate out of band transactions to inform a good user entity 102 of the intent via an Out Of Band (OOB) API. OOB API may use a mobile app, mobile device, and other methods of notification to receive a push notification or other methods of authentication such as OTP SMS/email/call or Timebased One Time Passwords (TOTP).

Data stored in a data base in the system 100 may contain personal identifier information (PII) and sensitive private information that needs anonymization. These are tokenized and hashed in transit and also at rest via an anonymization token engine that anonymizes the PIIs as a function of relying party privacy rules, guidelines and regional laws all via risk engine policy engine 110 a (which may be an AIML configurable policy engine). Third party data about the user entity 102, user entity device 104, client device 106 and transactions are made available via third party data APIs enabling a cross company-industry data fusion which can provide black lists or white lists again via the risk engine policy engine 110 a.

In FIG. 5, the user entity 102 behavior and journeys are tracked so that pre-authentication intelligence allows the risk engine 110 to predict and classify the user entity 102 and determined whether the user entity 102 is a threat actor (e.g., a bot, suspect device, and/or suspect browser) or a good user entity 102. The data collection on user entity 102 behavior, user entity device 104, client device 106 and transaction risk is collected and results in a context aware risk based authentication which can balance risk versus friction for class of a good user entity 102 versus additional friction for threat actors including denial of service or a step up authentication for suspect, new, and/or high risk transactions. It is significant that post authorization in FIG. 5 the user entity 102 and their transactions may be continuously monitored and a dynamic level of assurance and even a denial of service is injected when the trust score 114 is calculated to be too high. An aggregate of the risk engine 110 and third party data provided by other analytics and risk engine platforms such as SIEM solutions as illustrated delivering the cognitive continuous authentication that may minimize risks even post authorization by detecting anomalies through the life cycle of a transaction and provide a novel technique to detect abnormal behavior and report to IT and user entity 102 of the services protected by risk engine 110.

Examples of data captured by the risk engine 110 such as behavior patterns and attributes of the user entity 102 may include the following. First, user entity device 104, client device 106 and browser 105, 108 have fingerprints that uniquely identify a user entity device 104, client device 106, user entity browser 105, client device browser 108, a network 112, habits of user entity 102 on the user entity device 104 and/or client device 106 which are all used for accessing compute and data and services. User entity device 104 and client device 106 have footprints that may include browser attributes such as screen size, screen resolution, font, language, and browser version. Second, central processing unit (CPU) and operating system changes may not be okay but browser (105, 108) upgrade may be okay. Third, user entity 102 behavior and habits and inference of the user entity 102 normal behavior may be used to identify risks associated with transactions. Fourth, trusted devices are devices that have been repeatedly authenticated over a period of time. The number of top trusted devices may be limited to a predetermined number (e.g., 5). Fifth, a risk based authentication system that uses mobile device or other modalities of verification such as email, short message service (sms), voice, push, and voice call to promote locations, machines and time and type of transactions to trusted events/habits of user entity devices 104. The system and method 100 allows for calculating individual transaction risk based on contextual factors such as user entity 102 behavior, user entity device 104, user entity device browser 105 and the network traffic and request for authentication by account owner when risk greater than allowed threshold. Sixth, a client device 106 (e.g., a PC desktop) that has not been used for a long period of time (e.g., days or weeks) will be dropped from a trusted device list. Seventh, location which may be found by Internet Protocol (IP) reverse lookup of Internet Service Provider (ISP). Eighth, user entity behavioral footprint on desktop PC (client device 106) such as speed of user entity typing, number of hours and time intervals user entity is on this device (e.g., iMac® at home is usually used in evenings and weekends; use of touch screen feature). Ninth, user entity 102 behavior footprint might also include: time of use, location of use; hardware (including auxiliary devices such as type of keyboards, mouse, and user entity behavior on both); browser specific data such as browser updates and changes (i.e., heuristics), browser type, browser version, plug-in and applications; brand and type of CPU, operating system; browser user entity configuration such as fonts (e.g., expected fonts versus user entity configured fonts), language and the like; Canvas financial planning, type of display, screen resolution; and/or time zone, internet protocol (IP) address, geographic location. Tenth, code in the browser (e.g., JavaScript code) and/or installed on the device (104, 106) executing on the computer collects data from the desktop 106 may be used. Eleventh, with regard to the user entity device 104 footprint it may include subscriber identity module (SIM), international mobile equipment identity (IMEI), applications on the device, and/or secret keys. Twelfth, with regard to the user entity device 104 it be derived behavior footprint such as location, habits, walking gait, exercise, how any times you call your top contacts (e.g., top 5 contacts). Thirteenth, the sequence of events and derived context of normal versus abnormal may also be considered.

FIG. 6 is a block diagram illustrating in a more detailed manner the components of risk engine 110, according to some example embodiments, able to read instructions from a machine-readable medium (e.g., a machine-readable storage medium) and perform any one or more of the methodologies discussed herein. Risk engine 110 may be controlled by the system manager (or policy manager) of the network 112, client device 106 and/or secure facility or it may be controlled an independent party providing a security service to the user entity device 104, client device 106, and/or network 112. Specifically, FIG. 6 shows a diagrammatic representation of the risk engine 110 in the example form of a computer system and within which instructions 624 (e.g., software) for causing the risk engine 110 to perform any one or more of the methodologies discussed herein may be executed. In alternative embodiments, the risk engine 110 operates as a standalone device or may be connected (e.g., networked) to other machines. In a networked deployment, the risk engine 110 may operate in the capacity of a server machine or a client machine in a server-client network environment, or as a peer machine in a peer-to-peer (or distributed) network environment. The risk engine 110 may be a server computer, a client computer, a user entity computer (PC), a tablet computer, a laptop computer, a netbook, a set-top box (STB), a user entity digital assistant (PDA), a cellular telephone, a smartphone, a web appliance, a network router, a network switch, a network bridge, or any machine capable of executing the instructions 624, sequentially or otherwise, that specify actions to be taken by that server. Further, while only a single risk engine 104 is illustrated, the term “server” shall also be taken to include a collection of servers that individually or jointly execute the instructions 624 to perform any one or more of the methodologies discussed herein.

The risk engine 110 includes the processor 118 (e.g., a central processing unit (CPU), a graphics processing unit (GPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), a radio-frequency integrated circuit (RFIC), or any suitable combination thereof), a main memory 604, and a static memory 606, which are configured to communicate with each other via a bus 608. The risk engine 110 may further include a graphics display 610 (e.g., a plasma display panel (PDP), a light emitting diode (LED) display, a liquid crystal display (LCD), a projector, or a cathode ray tube (CRT)). The risk engine 110 may also include an alphanumeric input device 612 (e.g., a keyboard), a cursor control device 614 (e.g., a mouse, a touchpad, a trackball, a joystick, a motion sensor, or other pointing instrument), a storage unit 616, a signal generation device 618 (e.g., a speaker), and the network interface device 116.

The storage unit 616 includes a machine-readable medium 622 on which is stored the instructions 624 (e.g., software) embodying any one or more of the methodologies or functions for operation of the system and method 100 described herein. The instructions 624 may also reside, completely or at least partially, within the main memory 604, within the processor 118 (e.g., within the processor's cache memory), or both, during execution thereof by the risk engine 110. Accordingly, the main memory 604 and the processor 118 may be considered as machine-readable media. The instructions 624 may be transmitted or received over network 112 via the network interface device 116.

As used herein, the term “memory” refers to a machine-readable medium able to store data temporarily or permanently and may be taken to include, but not be limited to, random-access memory (RAM), read-only memory (ROM), buffer memory, flash memory, and cache memory. While the machine-readable medium 622 is shown in an example embodiment to be a single medium, the term “machine-readable medium” should be taken to include a single medium or multiple media (e.g., a centralized or distributed database, or associated caches and servers) able to store instructions. The term “machine-readable medium” shall also be taken to include any medium, or combination of multiple media, that is capable of storing instructions (e.g., software) for execution by a server (e.g., server), such that the instructions, when executed by one or more processors of the machine (e.g., processor 118), cause the machine to perform any one or more of the methodologies described herein. Accordingly, a “machine-readable medium” refers to a single storage apparatus or device, as well as “cloud-based” storage systems or storage networks that include multiple storage apparatus or devices. The term “machine-readable medium” shall accordingly be taken to include, but not be limited to, one or more data repositories in the form of a solid-state memory, an optical medium, a magnetic medium, or any suitable combination thereof.

Substantial variations may be made in accordance with specific requirements to the embodiments disclosed. For example, customized hardware might also be used, and/or particular elements might be implemented in hardware, software (including portable software, such as applets, etc.), or both. For example, as shown in FIG. 6, cognitive engine 330 may be accelerator/special coprocessors (e.g., hardware assisted crypto and AIML engine). FIG. 6 also shows a Trusted Execution Environment (or secure enclave) 626 with an engine that allows the application layer to store keys and execute code in a way that the operating system and other application systems cannot access

FIG. 6 further shows that in alternative embodiments, the computing device can represent some or all of the components of the risk engine 110. The computing devices alternatively could function in a fully virtualized environment. A virtual machine is where all hardware is virtual and operation is run over a virtual processor. The benefits of computer virtualization have been recognized as greatly increasing the computational efficiency and flexibility of a computing hardware platform. For example, computer virtualization allows multiple virtual computing machines to run on a common computing hardware platform. Similar to a physical computing hardware platform, virtual computing machines include storage media, such as virtual hard disks, virtual processors, and other system components associated with a computing environment. For example, a virtual hard disk can store the operating system, data, and application files for a virtual machine. Virtualized computer system includes computing device or physical hardware platform, virtualization software running on hardware platform, and one or more virtual machines running on hardware platform by way of virtualization software. Virtualization software is therefore logically interposed between the physical hardware of hardware platform and guest system software running “in” virtual machine. Memory of the hardware platform may store virtualization software and guest system software running in virtual machine. Virtualization software performs system resource management and virtual machine emulation. Virtual machine emulation may be performed by a virtual machine monitor (VMM) component. In typical implementations, each virtual machine (only one shown) has a corresponding VMM instance. Depending on implementation, virtualization software may be unhosted or hosted. Unhosted virtualization software generally relies on a specialized virtualization kernel for managing system resources, whereas hosted virtualization software relies on a commodity operating system—the “host operating system”—such as Windows or Linux to manage system resources. In a hosted virtualization system, the host operating system may be considered as part of virtualization software.

Similarly, the methods described herein may be at least partially processor-implemented, a processor being an example of hardware. For example, at least some of the operations of a method may be performed by one or more processors or processor-implemented modules. Moreover, the one or more processors may also operate to support performance of the relevant operations in a “cloud computing” environment or as a “software as a service” (SaaS). For example, at least some of the operations may be performed by a group of computers (as examples of machines including processors), with these operations being accessible via a network (e.g., the Internet) and via one or more appropriate interfaces (e.g., an application program interface (API)).

The performance of certain of the operations may be distributed among the one or more processors, not only residing within a single machine, but deployed across a number of machines. In some example embodiments, the one or more processors or processor-implemented modules may be located in a single geographic location (e.g., within a home environment, an office environment, or a server farm). In other example embodiments, the one or more processors or processor-implemented modules may be distributed across a number of geographic locations.

The system and method 100 may use attributes of user entity 102 and associated trusted devices such as user entity device 104 and client device 106 to obtain access to the trusted devices and their associated services available through network 112. As discussed above, phones, desktop personal computers (PCs), laptop PCs, and/or smart devices all can be used to profile and identify a legitimate user entity 102 (e.g., clients or employees) before granting access to network 112, computing systems, confidential financial information, secure facilities, restricted areas and the like. The system and method 100 of the following embodiments use the risk engine 110 to utilize a set of predictive analytics data that are derived from a plurality of different sources such as browser (105, 108) fingerprints, user entity device 104 fingerprints, and/or mobile inferred behavioral data. In at least one embodiment, three of these different sources will be used (i.e., multi-factor authentication). This enables login-signup or lifecycle management flows of target privileged accounts, websites and other identity access controlled platforms to measure risk and inject appropriate friction in the user entity access and use of the user entity device 104, client device 106 and/or network 112. Thus, allowing relying parties such as data or service providers to identify legitimate traffic and grant services while classifying suspicious visits and prevent threat actors.

Online transactions may include simple logins, financial transactions, data mining, and/or workflows. Identity proofing of the user entity 102 (human or non-human) requires the user entity 102 to identify themselves on-premises or remotely and reliably with a certain required degree of certainty. The system 100 uses to criteria with regard to risk. The first is the desired level of assurance (LOA) of each associated transaction or session and the second is the decay level in the system.

Level of assurance (LOA) is a dynamic concept in the system 100 whether at login or within an active session. The LOA may continually vary depending on what the user entity 102 is attempting to do in system 100. The level of assurance may require a real time response as a function of the associated LOA required for each transaction or each level of access within the active session. For example, a login session for an online banking service (a typical example of a relying party) may require not only a credential-based trust model (e.g., simple user entity 102 name and password) for general login and looking at balance history but may need a dynamic transactional-based model where additional factor(s) are required to transact a transfer or payment. Upon the initiation of a transaction with a higher LOA for the session login, the system and method 100 may ask the user entity 102 for additional verification to authorize the transaction. Upon completion of a transaction the session credential will resume to a baseline credential based at the lower LOA till the next transaction and associated LOA is presented or perhaps the session is terminated per policies orchestrated (e.g., time of inactivity). In this description, “time to live” is the pre-determined time that the attributes or verified credentials are valid for. Periodically, a risk engine 110 of system 100 will perform a “refresh” to update at least some of the plurality of verified attributes and the verified credentials of the user entity 102 based on predetermined policies established at the risk engine policy engine 110 a and on demand from the risk engine 110. In the online banking example, to authorize the login and access to account balance versus a transaction, such as an online payment, the system and method 100 disclosed herein may require different LOAs with different types of multifactor authentication and out of band identity proofing such as using a combination of contextual information such as location, biometrics and digital fingerprint of a binded user entity device 104. In addition, there could be cross-application level of assurance wherein each different application may have a different predetermined level of assurance. For example, a poker game application which requires the exchange of money may require a higher level of assurance than a social media application (e.g., Facebook).

FIG. 7 illustrates an airport check in and authentication sequence using the system and method 100. The goal of the system and method 100 is to create a frictionless, secure and touchless way to make sure of the identity of the user entity 102 and to ensure they are not a threat actor. FIG. 7 shows the user entity device 104 operated by a user entity 102 interacting with a first relying party 113 (e.g., reception system at an airport), an identity provider 110 (e.g., risk engine 110 of FIG. 1 such as eGuardian®, the department of motor vehicles, internal revenue service and/or another type of identity provider), and a second relying party 113 (e.g., Transportation Security Administration (TSA)). The first relying party/reception system 113 can be either an actual person or a virtual reception (e.g., artificial intelligence). Either can be some type of concierge service. The user entity device 104 sends a signal to the first relying party 113 with an “I Am Here” announcement in step 702. In step 704, the reception system 113 checks for a reservation. In step 706, an identification match request is sent to the identity provider 110. Identity provider 110 checks the user entity 102 risk level in step 708. For example, in step 710 the identity provider 110 might check the user entity's 102 conduct in the last month to determine whether anomalous activity has taken place (e.g., purchase of large amounts of weaponry, user entity 102 has been arrested) and the level of assurance is granted. The level of assurance here is that the user entity 102 is not a risk. In step 712, the user entity device 106 is authenticated by the identity provider 110 based not only on the user entity device 104 identification but also on both biometric and biobehavioral analysis. In step 714, a push notification from identity provider 110 comes in to the user entity device 104 which then captures the user entity 102 biometric information (e.g., user entity 102 fingerprint and faceprint on user entity device 104). In step 716, this confirmation that “It is me” is sent to the identity provider 110 by the user entity device 104. Besides this biometric information, a biobehavorial check will be done by identity provider 110 such as checking behavior of user entity device 104 as to whether the typical vehicle used by the user entity 102 was used on this day to arrive at the building. After authentication based on both biometric and biobehavior information of user entity 102, in step 718 this authentication is sent from the identity provider 110 to the relying party/reception 113. Although this system has “big brother” aspects to it, the interactions and communications between the first relying party/reception 113 and the identity provider may be encrypted and a trust score will be sent to the first relying party/reception 113 rather than any extraneous personal information of the user entity 102. It is a one to one service and maintains the user entity's 102 privacy. In step 720, the check in is complete and in step 722 a check-in/audit is sent to the user entity device 104. The first relying party (e.g., airport reception) 113 know at reference 724 that the user entity 102 and user entity device 104 have a high level of safety. This knowledge is also inherited by the second relying part 113 (e.g., TSA) which now knows user entity 102 and user entity device 104 are at the airport as the check-in with the second relying party/TSA begins in step 716. In step 716, the user entity 102 uses the user entity device 104 to scan the quick response (QR) code check in at a TSA kiosk. The TSA no longer needs to review a user entity 102 card identification but rather can look at the screen at the TSA kiosk with the user entity 102 picture on it from a central database (e.g., government). Therefore, there is no need to exchange card identification and the covid virus infection may be avoided. The QR code check in step 728 involves an identification match request being sent to the identity provider 110. In step 730 the identity provider 110 checks the risk of the user entity 102 and in step 732 determines a level of assurance. In step 734, the user entity device 104 is again authenticated by the identity provider 110 based not only on the user entity device 104 identification but also on both biometric and biobehavioral analysis. In step 736, the user entity device 104 receives the push from the identity provider 110 and enters the biometric information. In step 738, an “it is me” is sent from the user entity device 104 to the identity provider 110. In step 740, an authentication of the user entity 102 identity is sent to the second relying party/TSA 113. In step 742, check in log and audit is sent to the user entity device 104. The system and method 100 allows for privacy, security, safety, less friction, work flow optimization and no touching for health reasons (i.e., the covid virus infection).

In an alternative airport example of the system and method 100, as the user entity 102 approaches the airport the user entity device 104 announces itself by sending a wireless signal to the airport network 112. The second relying party/TSA 113 obtains the user entity 102 identification and the user entity 102 gets a confirmation on their user entity device 104 from TSA 113 from which the user entity 102 can confirm their identity. If, for example, the user entity 102 is on a no fly list, TSA 113 can inform the user entity 102 right then. The user entity device 104 can scan a QR code on the kiosk of TSA 113 agent. A push notification goes to the TSA 113 system, and the TSA 113 recognizes that the user entity 102 is a a passenger on a flight. The kiosk in front of TSA 113 agent is filled up with the user entity 102 picture identification. The TSA 113 agent confirms it is the correct user entity 102 and sends a push notification to phone number that a carrier (e.g., AT&T) has issued to the user entity and the user entity 102 confirms on the user entity device 104 that it is the correct identity. As a result, the identification cannot be faked. A secure loop has been formed with the user entity device 104 scanning a quick response (QR) code, the user entity device 104 sending notification to TSA 113, the TSA 113 bringing up the user entity 102 identification screen and information from a central database with picture rather than a dumb card identification which can be faked. In an additional piece of verification, a challenge is sent to the user entity device 104 phone that is on record for the user entity 102, and if someone is using the user entity's identification, the real user entity 102 will receive the notification and be able to reply “not me”. In addition, the kiosk can be virtualized on the screen of the user entity device 104 so the user entity 102 never has to touch a kiosk screen. The result is a touchless and frictionless system. From the moment the user entity 102 and user entity device 104 arrive at an airport, the user entity 102 presses a button on their own user entity device 104 telling the airport they are there. The airport 113 and TSA 113 receive notifications and they see the user entity 102 is enroute and calculate how much it will take the user entity 102 to get to the airport. The airport 113, TSA and an airline may keep the user entity device 104 on a time line to maintain continuous authentication. The airport will check to see if the user entity 102 picking up someone or on a list to fly today. If picking up, it will let the relying party and/or a third party know where at the airport the user entity 102 and associated user entity device 104 are located. If instead, the user entity 102 is going to travel, both TSA 113 and an airline will be notified that the user entity 102 has arrived. Upon check-in time to flight, if there is plenty of time, the airline might leave the user entity 102 in line at TSA 113 but if time to flight is short, the airline will know to active a concierge service to usher the user entity 102 through the TSA 113 line in fast track mode.

In another airport example embodiment of the method and system 100, the airport building has intelligence of which user entities are there between employees and scheduled flight passengers. A user entity device 104 which is present, does not announce itself through mobile API 111 a and does not show up as either an employee or flight passenger may become a person of interest from a security point of view. The system and method 100 may try to determine why did the user entity 102 even come to the airport. Is there either further suspicious activity or activity that explains the behavior such as the purchase of a child's ice cream cone which would indicate the user entity is just watching planes with a child.

FIG. 8A illustrates a hotel check in and authentication sequence. FIG. 8A shows the user entity device 104 operated by a user entity 102 interacting with a first relying party 113 (e.g., reception system at an hotel), an identity provider 110 (e.g., the analytical risk engine 110 of FIG. 1 such as eGuardian®, department of motor vehicle, and/or another type of identity provider), and a “know your customer” (KYC) data exchange 802. The relying party/reception system 113 can be either an actual person or a virtual reception (e.g., artificial intelligence). Either can be some type of concierge service. The user entity device 104 sends a check-in signal to the relying party 113 that “I Am Here” in step 804. In step 806, the reception system 113 checks for a reservation. In step 808, the reception system 113 determines that a room is available to user entity 102 and in step 810, the room is assigned to the user entity 102. In step 812, the WiFi request verifies the identification of the user entity 102 and user entity device 104. In step 814, the WiFi information and “know your customer” database information is sent automatically to the identity provider 110. In step 816, the identity provider 110 associates the user entity device 104 with the user entity 102 who checked in. Since the identity provider 110 knows the user entity device 104 belongs to user entity 102, the next time user entity 102 stays at the hotel, the user entity device 104 will automatically be logged in. In step 818, the system in a “know your customer” service will check to see if special services (e.g., spa treatments) were provided to the user entity 102 in the previous visits. In step 820, the specialized services are determined. In step 822, through a third party exchange it will determined what specialized services were obtained at another location (e.g., dinner at another hotel or restaurant, high roller package at another casino). In step 824, specialized services are offered to the user entity. In addition, a discount on the specialized service might be offered as well in step 826 as a sellup. All of this is done in a touchless manner leading to cost savings and added value services.

FIG. 8B illustrates a more detailed sequence of steps and services associated with the hotel sellup of step 826 of FIG. 8A. In the sell up substep 826 a, from the “know your customer” data exchange, candy rack or other types of instant gratification might be offered to a user entity 102 at check-in (or at some other point in their stay). In step 826 b, tier based services are reviewed to see if the user entity 102 is a member. In step 826 c, the system and method 100 will look at predictive services, social data analytics, air travel experience partners, location based services (LBS) and travel applications, corporate travel products, airlines, hospitality and loyalty programs, and points exchange to determine what sell ups should be offered to the user entity 102. This information will be combined in step 826 d with value added services keyed to current events in user entity's life such as retirement, graduation, anniversary, things they might like to do, places the might like to go and the like. In step 826 e, all this information is analyzed and added to the “know your customer” database. In step 826 f, these value added services are periodically offered to the user entity 102.

Similar to airports, hotels may also check the user entity 102 identification with the hotel camera system performing facial recognition face and then the user entity 102 receives a welcome to hotel on the user entity device 104 with a message with a room number and a key. The key may be activated for only the length of the stay and may be used to open the door to the room with the user entity device 104. No one need to check the user entity 102 in and no need for card issuance. At the end of the stay, the hotel may remove the key from the user entity device 104. The system and method 100 allows for, concierge service on the user entity device (e.g., wake up calls) and allows the hotel to keep track for who is in the hotel for security reasons.

FIG. 9 shows the user entity 102 with a user entity device 104 approaching the ATM 900 of a bank. The mobile API 111 a receives a QR code from ATM 900 with the user entity 102 account number and with the risk engine 110 mobile software development kit (sdk) in there. The ATM screen and controls 902 appear on the user entity device 104. The mobile API 111 a informs the ATM 900 that the user entity 102 is here, notification goes to ATM 900 when the user entity device 104 is scanned at the ATM 900. It is a signal to ATM 900 that the user entity 102 is about to do a transaction. ATM 900 needs to authenticate the user entity 102 and sends a push notification to the user entity 102 checking whether the user entity 102 is actually at the ATM 900. This allows the user entity to get rid of a card identification and do not need to touch the ATM screen 902 on ATM 900. A scan of a QR code from ATM 900, puts a display of the ATM screen 902 on the user entity device 104. This allows for user entity 102 verification instead of the need to enter a pin code by sending the push notification which is much more secure than pin you would enter on the ATM 900. If needed, the user entity 102 can enter a pin on the virtual ATM screen on their user entity device 104 or do facial recognition on the user entity device 104 to authenticate. Therefore, no need for a card, the user entity 102 does not need to not touch a the keyboard of the ATM 900. This system and method 100 provides for health, safety and security all in one system.

In another embodiment, a relying party 113 such as a school may want to know how many students are in attendance. The students can activate the mobile “I am here” API 111 a to announce their presence to the school. It will allow the user entity 102 (i.e., student) to establish trust that it is at the location and able to communicate with the school and all the services behind it. One of the services may be that the user entity 102 can now ask questions of the teacher. The API 111 a serves an attendance function and allows the user entity to communicate anonymously with a teacher without raising their hand.

Benefits of the system and method 100 include the following. It will allow for secure touchless authentication of user entity 102 identity. No touching with QR scans or virtual keyboards on the user entity device 104 instead of ATM keyboards, airport kiosks, sports arena check-ins or physical touch of humans at the airport. This system and method 100 will reduce friction, prevent touching (i.e., avoid germs), improve workflow using predictions, automation and as well as drive costs to a minimum while improving safety and security. The system and method 100 will help eliminate fraud because of real-time connection with the owner of a “claimed identity” to decline fraudulent activities and request for transactions and services.

The system and method 100 would be especially beneficial at a doctor's office because there would be no need to touch a pen to enter patient information on paper. This would all be automated on the user entity device 104. The “I Am Here” mobile API 111 a would announce the patient's arrival at the doctor's office and on the user entity device 104 there would appear a pop up from the doctor's office. The pop up could contain a welcoming agreement and allow the patient to fill in the medical forms online and then send them electronically to the doctor's patient record database.

As discussed above, the touchless system will be a real benefit in preventing the spread of the covid virus. A user entity 102 can go through an entire airport, hotel, and/or interact with a bank ATM with only having to touch a virtual screen on their own user entity device 104.

The user entity contextual factors and network contextual factors may further include at least one or more of the following egocentric or allocentric factors: mobile device model, mobile device hardware configuration, mobile device operating system, mobile device applications, mobile device web browser version, service set identifier (SSID) of the network WiFi, network information such as IP address, object classes transferred, screen size, font size, language, user entity habits including speed and style of user keyboard entry, mouse strokes, screen touch, adjacent companion mobile device in proximity, biobehavioral data derived from the user entity such as walking gait, trusted locations of the user, haptic-tactic factors derived from hardware sensors embedded inside the device, various specialized sensor data captured by the hardware such as ambient noise, temperature, discrete movement and location of the mobile device, walking and exercise habits of owner, user entity location and user entity driving, transactions on mobile including services, applications used and their frequency and duration including calls, browsing, use of various applications, and exercise routines.

The foregoing has outlined rather broadly features and technical advantages of examples in order that the detailed description that follows can be better understood. The foregoing embodiments are presently by way of example only; the scope of the present disclosure is to be limited only by the claims. Various embodiments may omit, substitute, or add various procedures or components as appropriate. For instance, in alternative configurations, the methods described may be performed in an order different from that described, and/or various stages may be added, omitted, and/or combined. Also, features described with respect to certain embodiments may be combined in various other embodiments. Different aspects and elements of the embodiments may be combined in a similar manner. Also, technology evolves and, thus, many of the elements are examples that do not limit the scope of the disclosure to those specific examples. Additional features and advantages will be described hereinafter. The conception and specific examples disclosed can be readily utilized as a basis for modifying or designing other structures for carrying out the same purposes of the present disclosure. Such equivalent constructions do not depart from the spirit and scope of the appended claims. Each of the figures is provided for the purpose of illustration and description only and not as a definition of the limits of the claims. No language in the specification should be construed as indicating any non-claimed element as essential to the practice of the invention

Throughout this specification, plural instances may implement components, operations, or structures described as a single instance. Although individual operations of one or more methods are illustrated and described as separate operations, one or more of the individual operations may be performed concurrently, and nothing requires that the operations be performed in the order illustrated. Structures and functionality presented as separate components in example configurations may be implemented as a combined structure or component. Similarly, structures and functionality presented as a single component may be implemented as separate components. These and other variations, modifications, additions, and improvements fall within the scope of the subject matter herein.

Specific details are given in the description to provide a thorough understanding of the embodiments. However, embodiments may be practiced without these specific details. For example, well-known processes, structures, and techniques have been shown without unnecessary detail in order to avoid obscuring the embodiments. This description provides example embodiments only, and is not intended to limit the scope, applicability, or configuration of the disclosure. Rather, the preceding description of the embodiments will provide those skilled in the art with an enabling description for implementing embodiments of the disclosure. Various changes may be made in the function and arrangement of elements without departing from the spirit and scope of the disclosure.

Although process (or method) steps may be described or claimed in a particular sequential order, such processes may be configured to work in different orders. In other words, any sequence or order of steps that may be explicitly described or claimed does not necessarily indicate a requirement that the steps be performed in that order unless specifically indicated. Moreover, the illustration of a process by its depiction in a drawing does not imply that the illustrated process is exclusive of other variations and modifications thereto, does not necessarily imply that the illustrated process or any of its steps are necessary to the embodiment(s), and does not imply that the illustrated process is preferred.

To aid the Patent Office and any readers of any patent issued on this application in interpreting the claims appended hereto, applicants wish to note that they do not intend any of the appended claims or claim elements to invoke 35 U.S.C. 112(f) unless the words “means for” or “step for” are explicitly used in the particular claim.

The definitions of the words or elements of the claims shall include not only the combination of elements which are literally set forth, but all equivalent structure, material or acts for performing substantially the same function in substantially the same way to obtain substantially the same result.

Neither the Title (set forth at the beginning of the first page of the present application) nor the Abstract (set forth at the end of the present application) is to be taken as limiting in any way as the scope of the disclosed invention(s). The title of the present application and headings of sections provided in the present application are for convenience only, and are not to be taken as limiting the disclosure in any way.

Devices that are described as in “communication” with each other or “coupled” to each other need not be in continuous communication with each other or in direct physical contact, unless expressly specified otherwise. On the contrary, such devices need only transmit to each other as necessary or desirable, and may actually refrain from exchanging data most of the time. For example, a machine in communication with or coupled with another machine via the Internet may not transmit data to the other machine for long period of time (e.g. weeks at a time). In addition, devices that are in communication with or coupled with each other may communicate directly or indirectly through one or more intermediaries.

It should be noted that the recitation of ranges of values in this disclosure are merely intended to serve as a shorthand method of referring individually to each separate value falling within the range, unless otherwise indicated herein, and each separate value is incorporated into the specification as if it were individually recited herein. Therefore, any given numerical range shall include whole and fractions of numbers within the range. For example, the range “1 to 10” shall be interpreted to specifically include whole numbers between 1 and 10 (e.g., 1, 2, 3, . . . 9) and non-whole numbers (e.g., 1.1, 1.2, . . . 1.9). 

The invention claimed is:
 1. A method for secure authentication of a user entity identity comprising: monitoring a user entity device by an identity provider for a first time period to collect contextual, biometric and behavioral factors of the user entity operating the user entity device; receiving from a first mobile application programming interface located on the user entity device through a first secure communication link an announcement of the arrival of a user entity device at a second application programming interface of a first relying party and checking for a reservation for the user entity associated with the user entity device; if the reservation is found, sending a user entity identity match request from the first relying party to the identity provider to start an active session; collecting the contextual, biometric and behavioral factors of the user entity interacting with the user entity device over a second time period at the identity provider to determine a trust score for the user entity based on the contextual, biometric and behavioral factors collected during both the first and second time periods; comparing the trust score to a level of assurance required by the first relying party; sending a notification to the user entity device from the identity provider through a second secure communication link for authentication; receiving a confirmation from the user entity device using a third secure communication link of the identity of the user entity at the identity provider; sending a first authentication signal from the identity provider to the first relying party and a second relying party; sending a user identity match request to the identity provider from the second relying party; and updating the contextual, biometric and behavioral factors of the user entity interacting with the user entity device during the active session at the identity provider to determine an updated trust score for the user entity and comparing the updated trust score to a level of assurance required by the second relying party.
 2. The method of claim 1 further comprising: sending a notification to the user entity device from the identity provider for authentication based on both biometric and behavioral factors; receiving a confirmation from the user entity device of the identity of the user entity at the identity provider; and sending a second authentication signal to the second relying party.
 3. The method of claim 1, further comprising: monitoring the user entity device by the identity provider during the active session to provide updates to the first relying party and a second relying party of the location and estimated time of arrival of the user entity device.
 4. The method of claim 3, further comprising: notifying the first and second relying parties if an anomaly occurs during the active session in the schedule of the user entity device.
 5. The method of claim 1, further comprising: receiving at the first relying party concierge services information on the user entity from at least one of the group consisting of: predictive services, social data analytics, analytics, air travel experience partners, location based services (LBS) and travel applications, corporate travel products, airlines, hospitality and loyalty programs, and points exchange; and determining at the first relying party which concierge services to offer to send to the user entity device.
 6. The method of claim 5, wherein the concierge services are received from a third party database.
 7. The method of claim 1, wherein the check-in site is a virtual check-in.
 8. The method of claim 7, wherein the virtual check-in is operated by artificial intelligence.
 9. The method of claim 1, wherein the check-in is contactless.
 10. The method of claim 1, wherein the user entity contextual factors and network contextual factors may further include at least one of the group of egocentric or allocentric factors consisting of: a user entity device model, a user entity device hardware configuration, a user entity device operating system, user entity device applications, user entity device web browser version, service set identifier (SSID) of the network WiFi, information of the network including an internet protocol (IP) address, object classes transferred, information of the user entity device including screen size, font size, language, user entity habits including speed and style of user keyboard entry, mouse strokes, screen touch, adjacent companion user entity device in proximity, biobehavioral data derived from the user entity including walking gait, trusted locations of the user entity device, haptic-tactic factors derived from hardware sensors embedded inside the user entity device, various specialized sensor data captured by the user entity hardware including ambient noise, temperature, discrete movement and location of the user entity device, walking and exercise habits of the user entity, user entity location and user entity driving, transactions on the user entity device including services, applications used and their frequency and duration including calls, browsing, use of various applications, exercise routines, payments, user entity behavior analytics services, identification authorization and proofing, secure data access, crowd control, safety, check-in and check out services, short message service (SMS) concierge services, promotions, and location based service (LBS) functions.
 11. A system for secure authentication of a user entity identity comprising: a processor coupled to a network interface, the processor configured to: monitor a user entity device by an identity provider for a first time period to collect contextual, biometric and behavioral factors of the user entity operating the user entity device; receive from a first mobile application programming interface located on the user entity device through a first secure communication link an announcement of the arrival of a user entity device at a second application programming interface of a first relying party and checking for a reservation for the user entity associated with the user entity device; if the reservation is found, send a user entity identity match request from the first relying party to the identity provider to start an active session; collect the contextual, biometric and behavioral factors of the user entity interacting with the user entity device over a second predetermined time period at the identity provider to determine a trust score for the user entity based on the contextual, biometric and behavioral factors collected during both the first and second predetermined time periods; compare the trust score to a level of assurance required by the first relying party; send a notification to the user entity device from the identity provider using a second secure communication link for authentication based on behavioral factors; receive a confirmation from the user entity device using a third secure communication link of the identity of the user entity at the identity provider; send a first authentication signal from the identity provider to the first relying party and a second relying party; send a user identity match request to the identity provider from the second relying party; update the contextual, biometric and behavioral factors of the user entity interacting with the user entity device during the active session at the identity provider to determine an updated trust score for the user entity and compare the updated trust score to a level of assurance required by the second relying party.
 12. The system of claim 11 wherein the processor is further configured to: send a notification to the user entity device from the identity provider for authentication based on both biometric and behavioral factors; receive a confirmation from the user entity device of the identity of the user entity at the identity provider; and send a second authentication signal to the second relying party.
 13. The system of claim 11 wherein the processor is further configured to: monitor the user entity device by the identity provider during the active session to provide updates to the first relying part and a second relying party of the location and estimated time of arrival of the user entity device.
 14. The system of claim 13 wherein the processor is further configured to: notify the first and second relying parties if an anomaly occurs during the active session in the schedule of the user entity device.
 15. The system of claim 11 wherein the processor is further configured to: receive at the first relying party concierge services information on the user entity from at least one of the group consisting of: predictive services, social data analytics, analytics, air travel experience partners, location based services (LBS) and travel applications, corporate travel products, airlines, hospitality and loyalty programs, and points exchange; and determine at the first relying party which concierge services to offer to send to the user entity device.
 16. The system of claim 15, wherein the concierge services are received from a third party database.
 17. The system of claim 11, wherein the check-in site is a virtual check-in.
 18. The system of claim 17, wherein the virtual check-in is operated by artificial intelligence.
 19. The system of claim 11, wherein the check-in is contactless.
 20. The system of claim 11 wherein the user entity contextual factors and network contextual factors may further include at least one of the group of egocentric or allocentric factors consisting of: a user entity device model, a user entity device hardware configuration, a user entity device operating system, user entity device applications, user entity device web browser version, service set identifier (SSID) of the network WiFi, information of the network including an internet protocol (IP) address, object classes transferred, information of the user entity device including screen size, font size, language, user entity habits including speed and style of user keyboard entry, mouse strokes, screen touch, adjacent companion user entity device in proximity, biobehavioral data derived from the user entity including walking gait, trusted locations of the user entity device, haptic-tactic factors derived from hardware sensors embedded inside the user entity device, various specialized sensor data captured by the user entity hardware including ambient noise, temperature, discrete movement and location of the user entity device, walking and exercise habits of the user entity, user entity location and user entity driving, transactions on the user entity device including services, applications used and their frequency and duration including calls, browsing, use of various applications, exercise routines, payments, user entity behavior analytics services, identification authorization and proofing, secure data access, crowd control, safety, check-in and check out services, short message service (SMS) concierge services, promotions, and location based service (LBS) functions. 